The following post is a contribution from My Money Design. My Money Design is a blog that is all about perfecting your “money design” – the way you think about, plan, and invest your money so that it will help make your life better and bring you …

When people think of saving money, they automatically assume they have to stop spending a single cent—which, of course, is extremely difficult and unrealistic for the average person. It does not mean saving more does not always mean spending less. …

Although I am not quite out of debt yet, I have taken an important step and created a number of savings accounts for longer term goals (though not as long term as retirement). I have found that there are many expenses in my life that I know darn well …